CINF
Cincinnati Financial Corporation
CINF offers stronger fundamentals, but that advantage does not outweigh its weaker overall profile.
JPM
JPMorgan Chase & Co.
JPM has the edge over CINF overall, supported by stronger modeled upside and lower modeled downside.
CINF Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CINF's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like CINF.
JPM Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
JPM's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like JPM.
CINF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.5x | $128 | -33% |
| Fair | 10x | $174 | -8.6% |
| Current | 11x | $190 | — |
| Expensive | 19x | $327 | +72% |
| Forward | 21x | $190 | — |
Historical ranges are pointers, not guarantees.
CINF's PE is in its fair range at 11x. On analysts' estimates for next year's earnings, today's price would be 21x, in its expensive range.
JPM PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.7x | $231 | -33% |
| Fair | 12x | $287 | -16% |
| Current | 14x | $343 | — |
| Forward | 14x | $343 | — |
| Expensive | 15x | $361 | +5.2% |
Historical ranges are pointers, not guarantees.
JPM has the edge over CINF in the historical PE scenario, which offers more potential upside but is not a forecast.
CINF Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Stable | |
| Stable | |
| Stable | |
| Limited | |
| Low |
Analysts expect CINF's earnings, revenue and profitability to hold roughly steady. However, they disagree widely on these estimates.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
JPM has the edge over CINF on the outlook, with more favorable valuation and earnings expectations.
CINF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $8.94 | -48% |
| Q3 2026 | $17.05 | +27% |
| Q2 2026 | $21.20 | +84% |
| Q1 2026 | $17.49 | +91% |
| Q4 2025 | $15.17 | +4.4% |
| Q3 2025 | $13.45 | -31% |
| Q2 2025 | $11.54 | -15% |
| Q1 2025 | $9.18 | -39% |
| Q4 2024 | $14.53 | +25% |
CINF earned $17.05 per share over the past year, up 27% from the year before.
JPM Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $24.99 | +4.8% |
| Q3 2026 | $23.85 | +18% |
| Q2 2026 | $23.35 | +20% |
| Q1 2026 | $20.89 | +2.5% |
| Q4 2025 | $20.02 | +1.4% |
| Q3 2025 | $20.20 | +12% |
| Q2 2025 | $19.50 | +8.7% |
| Q1 2025 | $20.38 | +23% |
| Q4 2024 | $19.75 | +22% |
JPM has the edge over CINF on earnings, with more consistent year-over-year improvement.
CINF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $3B | -18% |
| Q2 2026 | $4.3B | +32% |
| Q1 2026 | $2.9B | +12% |
| Q4 2025 | $3.1B | +22% |
| Q3 2025 | $3.7B | +12% |
| Q2 2025 | $3.2B | +28% |
| Q1 2025 | $2.6B | -13% |
| Q4 2024 | $2.5B | -24% |
CINF's revenue is growing: $3B last quarter, down 18% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 18% | -20 points |
| Q2 2026 | 37% | +11 points |
| Q1 2026 | 11% | +16 points |
| Q4 2025 | 27% | +8.3 points |
| Q3 2025 | 38% | +6.6 points |
| Q2 2025 | 26% | +11 points |
| Q1 2025 | -5% | -38 points |
| Q4 2024 | 19% | -26 points |
CINF's operating margin was 18% last quarter, down 20 points from the same quarter a year ago.
JPM Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $50.2B | +8.1% |
| Q2 2026 | $57.3B | +28% |
| Q1 2026 | $49.8B | +10% |
| Q4 2025 | $45.8B | +7.1% |
| Q3 2025 | $46.4B | +8.8% |
| Q2 2025 | $44.9B | -11% |
| Q1 2025 | $45.3B | +8.1% |
| Q4 2024 | $42.8B | +11% |
JPM's revenue has grown year over year for five quarters in a row: $50.2B last quarter, up 8.1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | -0.2 points |
| Q2 2026 | 48% | +7.3 points |
| Q1 2026 | 41% | +0.5 points |
| Q4 2025 | 37% | -3.2 points |
| Q3 2025 | 40% | +0.6 points |
| Q2 2025 | 41% | -6 points |
| Q1 2025 | 41% | -0.6 points |
| Q4 2024 | 41% | +11 points |
JPM has the edge over CINF on profitability, with a higher operating margin.
CINF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $787M | -29% |
| Q2 2026 | $698M | -5.3% |
| Q1 2026 | $654M | +113% |
| Q4 2025 | $939M | +47% |
| Q3 2025 | $1.1B | +22% |
| Q2 2025 | $737M | 0% |
| Q1 2025 | $307M | -11% |
| Q4 2024 | $638M | +12% |
CINF has the edge over JPM on cash generation, producing positive trailing cash flow while its opponent burns cash.
JPM Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $33.2B | +$78.4B |
| Q2 2026 | -$25.3B | -186% |
| Q1 2026 | -$211.8B | +$40.1B |
| Q4 2025 | $119.7B | -19% |
| Q3 2025 | -$45.2B | +$28.9B |
| Q2 2025 | $29.5B | -23% |
| Q1 2025 | -$251.8B | -$97.7B |
| Q4 2024 | $147.8B | +145% |
JPM's free cash flow was −$84.2B over the past year, against −$120B the year before. Free cash flow isn't a meaningful measure for financial services companies like JPM.
CINF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -600K shares |
| 1 year | -1.7% | -2.7M shares |
| 3 years | -1.1% | -1.8M shares |
| 5 years | -4.8% | -7.8M shares |
| Available history | -6.1% | -10M shares |
CINF has 155M diluted shares, down 1.7% from a year ago, with $499M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1M |
| Q2 2026 | $216M |
| Q1 2026 | $179M |
| Q4 2025 | $103M |
| Q3 2025 | $60M |
| Q2 2025 | — |
| Q1 2025 | $42M |
| Q4 2024 | $5M |
CINF spent $499M buying back its own shares over the past year, about five times what it spent the year before.
JPM Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -11.2M shares |
| 1 year | -3.1% | -84.6M shares |
| 3 years | -8.5% | -249M shares |
| 5 years | -11% | -322M shares |
| Available history | -17% | -547M shares |
JPM has the edge over CINF on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.1B |
| Q2 2026 | $6.8B |
| Q1 2026 | $8.3B |
| Q4 2025 | $8.3B |
| Q3 2025 | $8.3B |
| Q2 2025 | $7.5B |
| Q1 2025 | $7.5B |
| Q4 2024 | $4.3B |
JPM spent $24.5B buying back its own shares over the past year, down 11% from the year before.
CINF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2022 | -0.4x | Net Cash |
| Q1 2022 | -0.1x | Net Cash |
| Q4 2021 | -0.1x | Net Cash |
| Q3 2021 | -0.1x | Net Cash |
| Q2 2021 | -0.0x | Net Cash |
| Q1 2021 | -0.0x | Net Cash |
| Q4 2020 | -0.0x | Net Cash |
| Q3 2020 | -0.1x | Net Cash |
CINF has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CINF.
JPM Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.5x | Very low |
| Q2 2026 | 0.5x | Very low |
| Q1 2026 | 0.6x | Very low |
| Q4 2025 | 0.5x | Very low |
| Q3 2025 | 0.6x | Very low |
| Q2 2025 | 0.5x | Very low |
| Q1 2025 | 0.5x | Very low |
| Q4 2024 | 0.4x | Very low |
JPM's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like JPM.
CINF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 66.3 | Neutral |
| Stochastic | 79.4 | Neutral |
CINF's weekly RSI is 66 (neutral) and its Stochastic is 79 (neutral).
JPM Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.8 | Neutral |
| Stochastic | 31.5 | Neutral |
JPM's weekly RSI is 55 (neutral) and its Stochastic is 31 (neutral).
CINF PE vs Financial Services Sector
| Metric | CINF | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 14% below |
| PE % | 58 | 63 | 5 pts below |
CINF has the edge over JPM on valuation relative to its sector.
JPM PE vs Financial Services Sector
| Metric | JPM | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 10% above |
| PE % | 76 | 63 | 13 pts above |
JPM is trading at 14x earnings, a 10% premium to the Financial Services sector's median of 13x.
CINF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $174.1 | 9.3% above |
| 20 week MA | $175.3 | 8.6% above |
| 50 week MA | $168.6 | 13% above |
| 100 week MA | $158.2 | 20% above |
| 200 week MA | $137.0 | 39% above |
CINF has the edge over JPM on trend strength, trading above more of its moving averages.
JPM Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $336.8 | 1.8% above |
| 20 week MA | $345.3 | 0.7% below |
| 50 week MA | $323.2 | 6.1% above |
| 100 week MA | $298.9 | 15% above |
| 200 week MA | $236.6 | 45% above |
JPM's trend is mixed: it's above four of its five weekly moving averages, and 45% above its 200-week average.
CINF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $103.9 | $85.2 | -18% |
| 2021 | $85.2 | $112.3 | +32% |
| 2022 | $112.3 | $104.5 | -7% |
| 2023 | $104.5 | $103.5 | -1% |
| 2024 | $103.5 | $144.1 | +39% |
| 2025 | $144.1 | $164.8 | +14% |
| 2026 YTD | $164.8 | $190.3 | +15% |
CINF has the edge over JPM on returns for 2026, with the stronger performance.
JPM Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $139.1 | $124.5 | -11% |
| 2021 | $124.5 | $157.3 | +26% |
| 2022 | $157.3 | $131.3 | -17% |
| 2023 | $131.3 | $170.1 | +30% |
| 2024 | $170.1 | $241.2 | +42% |
| 2025 | $241.2 | $327.9 | +36% |
| 2026 YTD | $327.9 | $342.8 | +4.5% |
JPM has finished higher in four of the last six years. It's up 4.5% so far in 2026.